Cheapest 2008 Dodge Sprinter Cargo Insurance Rates in 2024

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me, there are many consumers feeling the pinch from expensive auto insurance. With so many options when it comes to auto insurance, it’s difficult to find the cheapest insurance company.

Are you getting all your discounts?

Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so here is a list some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Military Discounts – Being on active duty in the military can result in better rates.
• One Accident Forgiven – Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
• Homeowners Pay Less – Owning a house can help you save on insurance coverage because owning a home is proof that your finances are in order.
• Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
• More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.

Keep in mind that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that possibly offer some of the above discounts include:

• GEICO
• Farmers
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Before buying, ask each insurance company what discounts are available to you. Some discounts might not be offered everywhere.

Compare Insurance Costs

Effectively comparing insurance prices is a ton of work if you aren’t aware of the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each company can provide price quotes based on the submitted data. This eliminates the need for quote requests for each company. To find out how much you can save on insurance click here (opens in new window).

The only drawback to comparing rates this way is you can’t choose the providers to receive prices from. If you would rather choose individual companies to compare, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the exact same coverage limits with each company. If you are comparing differing limits then you won’t be able to make an equal comparison.

When might I need an agent?

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Is borrowed equipment or tools covered if stolen or damaged?
• What if I owe more than I can insure my car for?
• Does coverage extend to a rental car in a foreign country?
• Where can I find DUI or SR-22 insurance?
• When can my company non-renew my policy?
• Is my Dodge Sprinter Cargo covered if I use it for business?
• Does car insurance cover theft of personal property?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Sprinter Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a deer, vandalism and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays for damage to your Sprinter Cargo caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, damaging your car on a curb, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, rehabilitation expenses, funeral costs and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as much as you can afford.

One last thing

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Discount 2008 Dodge Sprinter Cargo insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and these small insurance companies work with independent agents.

Even more information is available at these sites:

• Collision Insurance Coverage (Nationwide)
• Auto Insurance Basics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)

Use our FREE quote tool to compare rates now!